EarnIn: Make Every Day Payday

Activehours Inc.

About this app

Instantly access your pay in advance — without waiting for a paycheck. EarnIn lets you access your pay as you work — not days or weeks later. All with no loans, no borrowing money, no interest, no mandatory fees, and no credit checks.

With Cash Out on EarnIn, get up to $100/day and up to $750/paycheck to cover day-to-day costs, unexpected expenses, and everything in between[5]. Plus, we’ll help you keep your credit goals moving forward with free credit monitoring directly in the app.

Cash advances and payday loans can be misleading and costly. EarnIn simplifies things with easy, no-cost options that tap the money you’ve already earned to get you paid in advance[1]. All with no interest, no credit checks, and no surprises[5].

EarnIn also provides Balance Shield that notify you whenever your bank balance runs low[4]. Skip the cash advances and payday loans. Stay on budget with your money in advance from EarnIn.

Here’s how Cash Out on EarnIn works:
Download the EarnIn app and add your info
Access up to $100/day of your pay & up to $750/pay period
Tip what feels right (optional)
Any money accessed, plus optional fees and tips, is automatically repaid when your next paycheck comes

Download EarnIn for easy, instant access to your money when you want it.

YOUR MONEY AT YOUR SPEED
- Connect your bank account to instantly access your pay in advance
- EarnIn works with Bank of America, Wells Fargo, Chase, Capital One, and more
- Get paid in minutes with Lightning Speed transfers[1]
- Smarter & faster alternative to cash advances

GET UP TO $750 EVERY PAY PERIOD
- Get up to $100/day and up to $750/pay period as you work to handle financial emergencies, cover loan payments, or keep up with day-to-day expenses
- Better than a cash advance or payday loan – get money from your own pay instantly[3]

FREE CREDIT SCORE TRACKING
- Monitor your credit score[6] for a full picture of your financial health
- Get alerts when your credit file changes & keep track of suspicious or fraudulent activity
- Unlike loan apps, EarnIn provides financial tools to help you monitor your credit score & move toward your goals

BACKED BY 24/7 SUPPORT
Questions or issues? Our Live Chat team is available 24/7, 365 days a year.

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EarnIn is not affiliated with Chime, Dave, Albert, Brigit, CashNetUSA, Empower, Klover, MoneyLion, Cleo, Cash App, Daily Pay, Google Pay or Credit Karma.
EarnIn is not a payday loan or a personal loan. There's no interest or APR to transfer from your paycheck.
EarnIn does not sell your personal data to third parties. Learn more about our privacy policy: earnin.com/privacy
EarnIn
200 Portage Ave
Palo Alto, CA 94306
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Disclaimers:
EarnIn services may not be available in all states.
[1] Fees apply to use Lightning Speed. Lightning Speed may not be available to all Community Members. Transfers may take up to thirty minutes, actual transfer speeds will depend on your bank, see Cash Out User Agreement for details.
[2] Tipping options will vary between tools.
[3] Tip Yourself Account funds are held with Evolve Bank & Trust, member FDIC and FDIC insured up to $250,000. Tip Yourself is a 0% Annual Percentage Yield and $0 monthly fee service. Your Tip Yourself Account and any Tip Jars are not Savings Accounts. For more information/details visit https://www.earnin.com/evolve-bank-and-trust
[4] Balance Shield Cash Outs are subject to your available earnings, Daily Max and Pay Period Max.
[5] Subject to your available earnings, Daily Max and Pay Period Max. EarnIn does not charge interest on Cash Outs. Restrictions and/or third party fees may apply. For more info and for our privacy policy, visit earnin.com/tos
[6] Calculated on the VantageScore 3.0 model. Your VantageScore 3.0 from Experian® indicates your credit risk level and is not used by all lenders, so don’t be surprised if your lender uses a score that’s different from your VantageScore 3.0. Learn more: https://www.experian.com/assets/consumer-information/product-sheets/vantagescore-3.pdf

Ratings and reviews

Have used a few times now with no issues. Very easy with no hidden fees and only $3.99 to get the money in minutes. They do ask for a tip which is optional, but I personally don't mind doing so considering they need to be able to cover the costs associated with keeping the app functioning somehow and don't do so by charging a monthly membership or other hidden fees. I appreciate having the app handy for when I'm in a pinch. 🙂

I have used earning now for 6 maybe 7 years. In the beginning it was great and I tipped high on every transaction. However they changed once they kept asking me for my direct deposit. I had a high pull but when I declined it went back to 50. I thought ok maybe with more consistent use it would go back but nope. So not only do they want to charge you 3.99 for instant deposit but if you don't tip they take away your lightning speed. I will not tip as high as I used to just to stay at 50.

Earnin was great the first few times. I never had the chance to look into the other options and features because I changed career to something where I was a 1099 contractor. They would not verify a check deposit even on the same day ever two weeks. Because it wasn't a direct deposit. Seems a bit strange we can verify a digital deposit but not another digital deposit of a physical check. That has photos,watermark verification etc. Leaving out a whole market of possible customers isn't smart...

What's new

We update the app regularly to improve the experience of our community members. The latest version includes several bug fixes and performance enhancements.